When your company decides to offer group health insurance to employees, you must collect many pieces of information in order to provide an insurance agent with that information to quote rates. By preparing a checklist for group health insurance, you can provide information to agents quickly and compare quotes.
Instructions
The Checklist for Employee Data
1. Set up an electronic spreadsheet or checklist with categories for each of the following: number of employees, demographic data, high risk employees and names of employees.
2. Determine the number of employees who will be eligible for coverage. Record this number, and all the data that you collect, on your checklist.
3. Find out demographic data about the eligible employees including marital status and number of dependents.
4. Determine the number of "high risk" employees at your company that might have pre-existing conditions or health problems.
5. Obtain data on other coverage employees might already have.
6. Survey employees about desired health insurance coverage levels.
7. Pick an employee representative to attend meetings with the insurance agent.
Compare Insurance Companies
8. Pick an insurance agent. Find an agent familiar with your type of business.
9. Ask about rate guarantees.
10. Get comparison rates and quote data on similar group demographics.
11. Get information on the different types of health insurance: PPO, HSA, major medical.
12. Determine how the insurance company offers billing, claims and services.
13. Find out what happens when an employee becomes high risk. Ask about rate increases or caps. Record all of these items on your checklist.
